Self-Employed Mortgage UK

Wondering what the best self-employed mortgages are?
Talk to one of our specialist mortgage advisors for
self-employed people

When you’re working for yourself, it’s important to have an experienced self-employed mortgage broker to help you navigate the purchase process

So, you’ve struck out on your own in the world of self-employment and now you want to buy a home. Congratulations. But some of the questions you’re probably asking yourself are: ‘can I get a mortgage if I’m self-employed?’ and ‘how many years of accounts do I need before a lender will consider me?’

The good news? Getting a self-employed mortgage in the UK is getting easier as lenders now recognise that far more people are working for themselves. It means getting a mortgage when self-employed is no longer the uphill struggle it once was, although for speed and peace of mind, it’s definitely worth talking to a self-employed mortgage specialist. And that’s where Oportfolio can help.

Self-Employed Mortgage

What are the self-employed mortgage requirements in the UK?

If you’re applying for a self-employed mortgage, naturally you’ll need to pass certain affordability criteria and also show your income which may be a salary, profit or dividends.

Mortgage lenders usually require the last two or three years of accounts as well as three months of business bank statements and you’ll have to show your income, expenses and business operating costs. If you’re a company director who receives dividends, that may give you greater borrowing potential.


At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.

We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.

To find out more, we invite you to download our latest brochure.

Oportfolio Brochure

Why choose a mortgage advisor for your self-employed mortgage application?

If you’re looking for a self-employed mortgage that’s competitive and affordable, talk to the team at Oportfolio. As self-employed mortgage brokers, we can often access products and rates that aren’t available on the high street.

We’ll start by asking you to provide some detailed personal and financial information about yourself and anyone who might be applying with you for a mortgage. Once we know more about you and what you want to do, we can talk through the options available.

After that, leave it to us to make the application on your behalf while you get on with running your business.

We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.

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